We are in South Wales and she works for Hywel Dda so I believe it is Knowles – at least that where I got the quote from.
Ass said early it effect pension by around 20% but you can put savings on private scheme offset somewhat. I would tell your wife to get concrete advice from her workplace, rather than listen to AI which wlikely won’t take into account the huge AP.
Given your in hospital (Glangwili or Morriston?) with suspected heart attack, the last thing you want right now is stress over figures 🙂